CN110895762A - Guarantee realization method, device, medium and equipment for transaction items - Google Patents
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Abstract
The invention discloses a guarantee realization method and device of a transaction item based on guarantee service, a computer readable storage medium and electronic equipment, wherein the guarantee realization method of the transaction item based on the guarantee service comprises the following steps: when an instruction of purchasing a transaction item with guarantee service is received, obtaining guarantee types selected by a user and generating a guarantee protocol according to the guarantee types, wherein the number of the guarantee types selected by the user is at least 2; and when receiving a guarantee request initiated according to the guarantee protocol, feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types. According to the technical scheme provided by the invention, the user can select the guarantee type which best meets the self requirement based on the self actual condition, and the realization of the guarantee can be promoted, so that the transaction rate can be improved, and the shopping of the user can be relieved.
Description
Technical Field
The invention relates to the technical field of internet transactions, in particular to a guarantee realization method and device of a transaction item based on guarantee service, a computer-readable storage medium and electronic equipment.
Background
With the rapid development and popularization of the internet, electronic commerce (e-commerce) is rapidly developed in the world, e-commerce is introduced to well-known large enterprises and medium and small merchants, and the e-commerce mode is more and more diversified. The transaction content on the internet also has a diversified trend, such as: the entity goods, the virtual goods, various services, the bidding items, various commercial items and various stage sub-commercial items can be the objects of the transaction as long as the two parties of the transaction achieve the requirement relationship.
However, there are some drawbacks to internet shopping, such as no service guarantee for the purchased transaction item. Although some e-commerce platforms, such as the kyoto, have additional insurance services, the insurance is an insurance service provided by a third party insurance company, the insurance service is similar to an independent transaction item, a purchase is needed to obtain the right, and the insurance service is commonly used for all transaction items. In addition, there is a common transaction item guarantee, which includes only the quality three-pack written in the product description, which is mandatory by law. At present, no guarantee service based on a transaction item body exists, so that a buyer cannot obtain the guarantee service required by the buyer and cannot be assured to purchase the transaction item, and some transaction items with slow effect and high consumption cannot be favored by the buyer.
Disclosure of Invention
The invention mainly aims to provide a guarantee realization method and device of transaction items based on guarantee service, a computer readable storage medium and electronic equipment, aiming at solving the problems that the internet shopping cannot be comprehensively guaranteed, and some commodities with slow effect and high consumption cannot be favored by buyers.
In order to achieve the above object, the invention provides a guarantee implementation method of a transaction item based on a guarantee service, comprising the following steps:
when an instruction of purchasing a transaction item with guarantee service is received, obtaining guarantee types selected by a user and generating a guarantee protocol according to the guarantee types, wherein the number of the guarantee types selected by the user is at least 2;
and when receiving a guarantee request initiated according to the guarantee protocol, feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types.
Preferably, the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types when receiving the safeguard request initiated according to the safeguard protocol includes:
when a guarantee request initiated according to the guarantee protocol is received, obtaining a guarantee processing result of the transaction item;
calculating the occupation ratio of each safeguard type according to the generated safeguard processing result;
displaying the guarantee type with the largest proportion to a user in a popup window mode, and providing a control for selecting or not;
and when the information of the selection is received, feeding back a guarantee processing result according to the guarantee type with the largest proportion.
Preferably, the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types when receiving the safeguard request initiated according to the safeguard protocol includes:
providing a questionnaire for a user according to the attributes of the transaction items when receiving a guarantee request initiated according to the guarantee protocol;
acquiring a questionnaire filled in by a user, and acquiring keywords from questionnaire information;
acquiring a recommended guarantee type according to the keyword, displaying the recommended guarantee type to a user in a popup window mode, and providing a control for selecting or not;
and when the information of yes selection is received, feeding back a guarantee processing result according to the recommended guarantee type.
Preferably, the safeguard type includes at least one of a guarantee effect, a guarantee refund, a guarantee principal, and a guarantee return.
Preferably, when the type determined by the user is a guarantee effect, the step of feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types includes:
calculating the payment amount and feeding back to the user according to the guarantee type of the guarantee effect;
when confirmation information of the user on the claim payment amount is received, paying the claim payment amount to a preset account;
when user opposition information to the payout amount is received, the user is provided with a control to again select another safeguard type.
Preferably, the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types when receiving the safeguard request initiated according to the safeguard protocol includes:
when a guarantee request initiated according to the guarantee protocol is received, generating a link between transaction item information and the guarantee protocol, wherein a guaranteed type option is set in the link;
acquiring selection statistics of guarantee types returned based on the links, displaying the guarantee types with the largest number of selections to a user in a popup mode, and providing a control for selecting or not;
and when the information that the selection is yes is received, feeding back a guarantee processing result according to the guarantee type with the largest number of selections.
In order to achieve the above object, the present invention provides a guarantee implementing device for a transaction item based on a guarantee service, including:
the system comprises a guarantee generation module, a guarantee service module and a guarantee service module, wherein the guarantee generation module is used for acquiring guarantee types selected by a user and generating guarantee protocols according to the guarantee types when an instruction of purchasing transaction items with guarantee services is received, and the number of the guarantee types selected by the user is at least 2;
and the guarantee processing module is used for feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types when receiving a guarantee request initiated according to the guarantee protocol.
To achieve the above object, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the above-described safeguard implementation method for a transaction item based on a safeguard service.
To achieve the above object, the present invention provides an electronic device, which includes a processor and a memory, wherein the memory is used for storing executable instructions of the processor, and the processor is configured to execute the steps of the guarantee implementation method of a transaction item based on a guarantee service according to any one of the above items via executing the executable instructions.
According to the technical scheme provided by the invention, when a user purchases a transaction item with guarantee service, a plurality of guarantee types can be selected, and when the user is not satisfied with the transaction item, at least one guarantee type can be selected from the plurality of guarantee types selected previously to obtain corresponding rights and interests. Through the mode, the user can select the guarantee type which best meets the self requirement based on the self actual condition, and the realization of the guarantee can be promoted, so that the transaction rate can be improved, and the shopping of the user can be relieved.
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FIG. 1 is a schematic flow chart illustrating a first embodiment of a method for securing a transaction item based on a securing service according to the present invention;
FIG. 2 is a detailed flowchart of a step of feeding back a guarantee processing result according to at least one type determined by a user from the selected guarantee types when a guarantee request initiated according to the guarantee protocol is received in a second embodiment of the guarantee implementation method for a transaction item based on a guarantee service;
FIG. 3 is a detailed flowchart of a third embodiment of a method for realizing guarantee of a transaction item based on a guarantee service according to the present invention, wherein when a guarantee request initiated according to the guarantee protocol is received, at least one type of a guarantee processing result is fed back according to the type of guarantee determined by a user from the selected guarantee types;
FIG. 4 is a detailed flowchart of a step of feeding back a guarantee processing result according to at least one type determined by a user from the selected guarantee types in a fourth embodiment of the guarantee implementation method for a transaction item based on a guarantee service of the present invention;
FIG. 5 is a detailed flowchart of a step of feeding back a guarantee processing result according to at least one type determined by a user from the selected guarantee types when a guarantee request initiated according to the guarantee protocol is received in a fifth embodiment of the method for realizing guarantee of a transaction item based on a guarantee service according to the present invention;
FIG. 6 is a schematic block diagram illustrating an embodiment of a guarantee implementing device for a transaction item based on a guarantee service according to the present invention;
fig. 7 is a schematic block diagram of an electronic device according to an embodiment of the invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a diagram illustrating a method for securing a transaction item based on a securing service according to a first embodiment of the present invention. In this embodiment, the method for realizing guarantee of a transaction item based on a guarantee service includes:
step S100, when an instruction for purchasing transaction items with support service is received, obtaining support types selected by a user and generating a support protocol according to the support types, wherein the number of the support types selected by the user is at least 2.
Specifically, a user purchases on a transaction support platform, transaction item information is provided on a visual interface of the transaction support platform, the transaction item information includes transaction item parameters and support types of support services corresponding to the transaction items, and corresponding relations exist between the transaction item parameters and the support types.
The transaction item can be an object of transaction, such as an entity commodity, a virtual commodity, various services, a bid item, various commercial items and various stage sub-commercial items thereof, as long as both transaction parties achieve a demand relationship. The transaction item information is from any one or more of the input of the merchant when the merchant is stationed on the current platform, or the data injection of other platforms except the current platform or the data capture of other platforms. The transaction item parameters include transaction item attributes, transaction item pictures, and transaction item prices.
When a user purchases, the platform displays a transaction item set with support services based on a search field input by the user or a clicked control on an interface, wherein the search field can be a specific transaction item name or a rough transaction item keyword or information related to support. Each transaction item on the page where the transaction item set is located may be presented in the form of a picture of the transaction item or in the form of a list.
When a user purchases a transaction item, the user can select at least 2 types according to the guarantee types displayed by the platform, and the platform generates a guarantee protocol for the transaction item according to the selected types and stores the guarantee protocol in the server. Wherein the guarantee types comprise guarantee effect, guarantee refund, guarantee fund and guarantee refund.
And S200, when receiving a guarantee request initiated according to the guarantee protocol, feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types.
Specifically, when the user pays to complete the transaction, a record of the transaction is generated on the order page. The user can enter the guarantee program by clicking the guarantee initiating control arranged on the order page. After entering the guarantee program, the server background calls the guarantee type selected by the transaction item user, and feeds the selected guarantee type back to the order page in a check box mode for the user to select. And after the user performs selection confirmation, the server performs processing according to at least one confirmed guarantee type. It should be noted that, when entering the support program, if there are 2 items and more than 2 items of support types selected by the user, the support types with conflicting terms cannot be selected at the same time.
The scheme of the invention is illustrated by taking a trading item of a golden ring as an example:
when purchasing the money ring, the user selects three guarantee types of a guarantee refund, a guarantee money and a guarantee return, the limit terms and the guarantee terms corresponding to different guarantee types are different, and the terms of the three guarantee types are all generated in a guarantee agreement. For example, the limit term of the refund is that the goods must be returned within three days after the goods are confirmed to be received, the goods are not damaged at all, and the guarantee term is that all the money is returned; the limit terms of the principal deposit are that the principal deposit can be deducted only when the same merchant purchases the goods, and the guarantee terms are that the principal deposit is calculated by the price of the money purchased in the current month; the limit term of the insurance return goods is that the goods are returned without reason within seven days after the goods are confirmed to be received, the goods are not lost, and the guarantee term is that the goods exceeding the original amount are purchased at the same merchant with equal price or difference. When a user initiates a guarantee request, at least one of the three guarantee types can be selected to require a merchant to process according to the actual needs of the user.
According to the technical scheme provided by the invention, when a user purchases a transaction item with guarantee service, a plurality of guarantee types can be selected, and when the user is not satisfied with the transaction item, at least one guarantee type can be selected from the plurality of guarantee types selected previously to obtain corresponding rights and interests. Through the mode, the user can select the guarantee type which best meets the self requirement based on the self actual condition, and the realization of the guarantee can be promoted, so that the transaction rate can be improved, and the shopping of the user can be relieved.
Referring to fig. 2, a second embodiment of the method for securing a transaction item based on a securing service according to the present invention is shown, where the step of feeding back a securing processing result according to at least one type determined by a user from the selected securing types when receiving a securing request initiated according to the securing protocol includes:
step S210, when receiving a guarantee request initiated according to the guarantee protocol, obtaining a guarantee processing result of the transaction item;
step S211, calculating the occupation ratio of each safeguard type according to the generated safeguard processing result;
step S212, displaying the guarantee type with the largest proportion to a user in a popup mode, and providing a control for selecting or not;
and step S213, when the information of the selection is received, feeding back a guarantee processing result according to the guarantee type with the largest proportion.
Specifically, when a guarantee request initiated by the user a is received, a guarantee processing result that the transaction item has occurred is obtained, and a guarantee type selected when other users make a guarantee request can be obtained through the guarantee processing result that has occurred, for example, 80% of users select a guarantee refund, 15% of users select a guarantee refund, and 5% of users select a guarantee fund, so that the guarantee type that the guarantee refund is popped up is given to the user a, and the user a can confirm that the guarantee refund is selected, or deny the option. When the user A confirms that the refund is selected, the server feeds back a guarantee processing result to the user A according to the terms of the refund; when the user A negates the option, the second percentage of safeguard types are displayed to the user in a popup until the user selects one of the safeguard types.
It should be noted that, before the guarantee type is displayed to the user in the form of a pop-up window, it is determined whether the limitation term corresponding to the guarantee type meets the condition when the user initiates a guarantee request, if yes, the limitation term is displayed, and if no, the limitation term corresponding to the second guarantee type is continuously determined.
For example, the limit term of the refund is that the goods must be returned within three days after the goods are confirmed, and the goods have no damage, and if the fourth day after the goods are confirmed when the user initiates the guarantee request, the limit term of the refund is not met, and the limit term of the refund is continuously determined.
In the embodiment, most of the security types selected by the user are recommended to the buyer, so that the time for the buyer to compare the quality between the security types can be saved, the buyer can be helped to quickly select the security types, and the security is realized.
Referring to fig. 3, a third embodiment of the method for securing a transaction item based on a securing service according to the present invention is shown, where the step of feeding back a securing processing result according to at least one type determined by a user from the selected securing types when receiving a securing request initiated according to the securing protocol according to the first embodiment of the method for securing a transaction item based on a securing service according to the present invention includes:
step S220, when receiving a guarantee request initiated according to the guarantee protocol, providing a questionnaire for a user according to the attributes of the transaction items;
step S221, obtaining a questionnaire filled in by a user, and obtaining keywords from questionnaire information;
step S222, acquiring a recommended guarantee type according to the keyword, displaying the recommended guarantee type to a user in a popup window mode, and providing a control for selecting or not;
and step S223, when the information of yes selection is received, feeding back a guarantee processing result according to the recommended guarantee type.
Specifically, attributes of the transaction item include a physical fitness class and an educational training class. The physical quality category comprises weight-reducing medicines, health products, scar-removing ointment, etc., and the education training category comprises education tutoring courses, intelligence development courses, etc. Different attributes correspond to different questionnaires. The focus of the user can be judged through the response information of the questionnaire, such as retrying, complete rejection, money or effect, and the user can be helped to make a selection by recommending the guarantee type to the user through the focus of the user.
Referring to fig. 4, a fourth embodiment of the method for guaranteeing transaction items based on a guarantee service according to the present invention is shown, where, based on the first embodiment of the method for guaranteeing transaction items based on a guarantee service according to the present invention, when the type determined by the user is a guarantee effect, the step of feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types includes:
and step S230, calculating the claim payment amount according to the guarantee type of the guarantee effect and feeding back the calculated claim payment amount to the user.
Specifically, the attributes of the transaction items are obtained, and then evaluation indexes are fed back to the user according to the attributes of the transaction items; then, acquiring response information of the user to the evaluation index, determining an effect state according to the response information, and acquiring a guarantee protocol corresponding to the transaction item; and finally, determining the refund amount and paying the refund amount to a preset account according to the effect state and the guarantee protocol. The following is a detailed description:
the evaluation index includes a number of sub-items. When the attributes of the transaction item are physical attributes, the sub-items include one or more of time of use, compliance with instructions, physical examination, and pre-and post-use comparisons.
According to the response information of the evaluation index, the reason for not achieving the effect marked by the transaction item can be obtained, the reason can be divided into a user reason and a transaction item reason, the user reason comprises that the user is not used according to the use instruction, the use time does not reach the effective time, and when the effect marked by the transaction item is not achieved due to the user reason, only a small proportion of money amount is refunded, even the money is not refunded to the financial account preset by the buyer, or the money is returned to the user account bound with the transaction guarantee platform in the form of a voucher.
When the attributes of the deal item are of the educational training class, the sub-items include one or more of mentoring teacher evaluation, achievement list, training time, on Shift leader/on Shift teacher evaluation. Wherein if the transaction item is a lesson for face-to-face instruction, the sub-item comprises a teacher evaluation, the teacher being a teacher who resides on the transaction assurance platform. When the user initiates a refund based on the type of transaction item, evaluation acquisition information is sent to the instructor teacher, and evaluation of the instructor teacher on the evaluation acquisition information is received. Further, in order to avoid the false evaluation of the teacher due to private reasons, the evaluation of the teacher needs to be confirmed by the user, and then the evaluation of the teacher is used as response information to determine the effect state, if the evaluation of the teacher by the user is not approved, the confirmation condition of the evaluation of the teacher by other users is continuously obtained, and if the ratio of the confirmation condition is lower than a preset value, the evaluation of the teacher is not used as response information to determine the effect state. If the transaction item is a course for watching video for learning online, the sub-item comprises training time, when a user clicks the video for playing, the background records the playing starting time, the starting time is displayed in the learning record of the transaction item, and the response information of the training time is the learning record directly acquired by the server background or the screenshot of the learning record page uploaded by the user.
Further, different response information of each sub-item corresponds to different score grades; the step of determining the effect state according to the response information includes:
calculating the score grade distribution of the user to the response information of the judgment index according to the score grades corresponding to the different response information of the sub items;
and determining the effect state according to the mapping relation between the score grade distribution and the effect state.
In order to simplify the guarantee protocol for guaranteeing the effect, the guarantee protocol comprises effect states, refund amount corresponding to each effect state, and a mode for determining the effect states. In order to simplify the determination of the effect state, the determination is performed by the score grading corresponding to the response information. For example, when the transaction item is an educational training class, the sub-items of the evaluation index are the evaluation of a teacher for guidance, the score list and the evaluation of a teacher at work, and the three sub-items are given different score grades, such as A, B and C, corresponding to each response message. When the response information of the three sub items is 2A1B, the effect status is excellent; when the response information of the three sub items is 1B2C, the effect state is poor; when the response information of the three sub items is 1A2B, or 2B1C, the effect state is good.
Step S231, when receiving the confirmation information of the claim payment amount from the user, paying the claim payment amount to a preset account;
and step S232, when the objection information of the user to the reimbursement amount is received, providing the user with a control for selecting other guarantee types again.
Specifically, the user is confirmed again before the refund, so that the rights and interests of the user can be further guaranteed. If the user is not satisfied with this refund amount, the user is given the right to select the safeguard type again. In this way, the user can obtain the opportunity of selecting for many times, and the rights and interests of the user are fully guaranteed.
Referring to fig. 5, a fifth embodiment of the method for securing a transaction item based on a securing service according to the present invention is shown, where the step of feeding back a securing processing result according to at least one type determined by a user from the selected securing types when receiving a securing request initiated according to the securing protocol includes:
step S240, when receiving a guarantee request initiated according to the guarantee protocol, generating a link between the transaction item information and the guarantee protocol, wherein a guaranteed type option is set in the link;
step S241, obtaining selection statistics of the guarantee types returned based on the links, displaying the guarantee types with the largest number of selections to a user in a popup window mode, and providing a control for selecting or not;
and step S242, when the information of yes selection is received, feeding back a guarantee processing result according to the guarantee type with the largest number of selections.
Specifically, the option of the safeguard type set in the link is a radio box, and through the link mode, the user can collect opinions of other people and recommend the safeguard type which most people want to select by the user to the user, and the user can comprehensively select one safeguard type. For example, if 55% of the guarantee effects, 40% of the guarantee funds and 5% of the guarantee refunds are selected, the guarantee effects are displayed to the user in the form of a pop-up window, and the pop-up window not only displays the guarantee types, but also displays the proportion corresponding to the guarantee types. If the user does not select the first recommended safeguard type, the safeguard types selected a number of times are displayed to the user again in the form of a popup until the user determines one safeguard type.
In the embodiment, the choices of the guarantee types of the relatives and friends about the transaction item are collected in a linking mode, so that the user can collect more opinions to obtain the best guarantee type.
Referring to fig. 6, in an embodiment, the guarantee implementation apparatus for a transaction item based on a guarantee service includes:
the system comprises a guarantee generation module 100, a guarantee service module and a guarantee service module, wherein the guarantee generation module is used for acquiring guarantee types selected by a user and generating guarantee protocols according to the guarantee types when receiving an instruction of purchasing transaction items with guarantee services, and the number of the guarantee types selected by the user is at least 2;
and the support processing module 200 is configured to, when receiving a support request initiated according to the support protocol, feed back a support processing result according to at least one type determined by the user from the selected support types.
The apparatus in the embodiment shown in fig. 6 can be correspondingly used to perform the steps in the method embodiment shown in fig. 1, and the implementation principle and technical effect are similar, which are not described herein again.
In an embodiment, the support processing module 200 is further configured to, when receiving a support request initiated according to the support protocol, obtain a support processing result that the transaction item has occurred; calculating the occupation ratio of each safeguard type according to the generated safeguard processing result; displaying the guarantee type with the largest proportion to a user in a popup window mode, and providing a control for selecting or not; and when the information of the selection is received, feeding back a guarantee processing result according to the guarantee type with the largest proportion.
In another embodiment, the support processing module 200 is further configured to provide a questionnaire to the user according to the attributes of the transaction item when receiving a support request initiated according to the support protocol; acquiring a questionnaire filled in by a user, and acquiring keywords from questionnaire information; acquiring a recommended guarantee type according to the keyword, displaying the recommended guarantee type to a user in a popup window mode, and providing a control for selecting or not; and when the information of yes selection is received, feeding back a guarantee processing result according to the recommended guarantee type.
In another embodiment, the guarantee processing module 200 is further configured to calculate a payment amount and feed the payment amount back to the user according to the guarantee type of the guarantee effect; when confirmation information of the user on the claim payment amount is received, paying the claim payment amount to a preset account; when user opposition information to the payout amount is received, the user is provided with a control to again select another safeguard type.
In another embodiment, the support processing module 200 is further configured to, when receiving a support request initiated according to the support protocol, generate a link between the transaction item information and the support protocol, where a guaranteed type option is set in the link; acquiring selection statistics of guarantee types returned based on the links, displaying the guarantee types with the largest number of selections to a user in a popup mode, and providing a control for selecting or not; and when the information that the selection is yes is received, feeding back a guarantee processing result according to the guarantee type with the largest number of selections.
The present invention further provides an electronic device, please refer to fig. 7, in an embodiment, the electronic device includes a processor 300 and a memory 400, the memory 400 is used for storing executable instructions of the processor, and the processor 300 is configured to execute the steps of the guarantee implementation method for a transaction item based on a guarantee service in any of the above embodiments through executing the executable instructions. It can be understood that the intelligent terminal can be a television, an IPAD, a PC, a mobile phone, etc.
The present invention also provides a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, implements the steps of the safeguard implementation method for a transaction item based on a safeguard service in any one of the above embodiments.
In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (9)
1. A guarantee realization method of transaction items based on guarantee service is characterized by comprising the following steps:
when an instruction of purchasing a transaction item with guarantee service is received, obtaining guarantee types selected by a user and generating a guarantee protocol according to the guarantee types, wherein the number of the guarantee types selected by the user is at least 2;
and when receiving a guarantee request initiated according to the guarantee protocol, feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types.
2. The method for implementing safeguard of transaction item based on safeguard service according to claim 1, wherein the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types upon receiving the safeguard request initiated according to the safeguard protocol comprises:
when a guarantee request initiated according to the guarantee protocol is received, obtaining a guarantee processing result of the transaction item;
calculating the occupation ratio of each safeguard type according to the generated safeguard processing result;
displaying the guarantee type with the largest proportion to a user in a popup window mode, and providing a control for selecting or not;
and when the information of the selection is received, feeding back a guarantee processing result according to the guarantee type with the largest proportion.
3. The method for implementing safeguard of transaction item based on safeguard service according to claim 1, wherein the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types upon receiving the safeguard request initiated according to the safeguard protocol comprises:
providing a questionnaire for a user according to the attributes of the transaction items when receiving a guarantee request initiated according to the guarantee protocol;
acquiring a questionnaire filled in by a user, and acquiring keywords from questionnaire information;
acquiring a recommended guarantee type according to the keyword, displaying the recommended guarantee type to a user in a popup window mode, and providing a control for selecting or not;
and when the information of yes selection is received, feeding back a guarantee processing result according to the recommended guarantee type.
4. The method for realizing guarantee of a transaction item based on a guarantee service of claim 1, wherein the guarantee type includes at least one of a guarantee effect, a guarantee refund, a guarantee principal and a guarantee return.
5. The method of claim 4, wherein the feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types when the type determined by the user is a safeguard effect comprises:
calculating the payment amount and feeding back to the user according to the guarantee type of the guarantee effect;
when confirmation information of the user on the claim payment amount is received, paying the claim payment amount to a preset account;
when user opposition information to the payout amount is received, the user is provided with a control to again select another safeguard type.
6. The method for implementing safeguard of transaction item based on safeguard service according to claim 1, wherein the step of feeding back the safeguard processing result according to at least one type determined by the user from the selected safeguard types upon receiving the safeguard request initiated according to the safeguard protocol comprises:
when a guarantee request initiated according to the guarantee protocol is received, generating a link between transaction item information and the guarantee protocol, wherein a guaranteed type option is set in the link;
acquiring selection statistics of guarantee types returned based on the links, displaying the guarantee types with the largest number of selections to a user in a popup mode, and providing a control for selecting or not;
and when the information that the selection is yes is received, feeding back a guarantee processing result according to the guarantee type with the largest number of selections.
7. A guarantee implementing apparatus of a transaction item based on a guarantee service, comprising:
the system comprises a guarantee generation module, a guarantee service module and a guarantee service module, wherein the guarantee generation module is used for acquiring guarantee types selected by a user and generating guarantee protocols according to the guarantee types when an instruction of purchasing transaction items with guarantee services is received, and the number of the guarantee types selected by the user is at least 2;
and the guarantee processing module is used for feeding back a guarantee processing result according to at least one type determined by the user from the selected guarantee types when receiving a guarantee request initiated according to the guarantee protocol.
8. A computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing a method for secure implementation of a transactional item based on a security service according to any one of claims 1 to 6.
9. An electronic device comprising a processor and a memory for storing executable instructions of the processor, the processor configured to perform the method for securing a transaction item based on a securing service of any of claims 1-6 via execution of the executable instructions.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811065337.5A CN110895762A (en) | 2018-09-13 | 2018-09-13 | Guarantee realization method, device, medium and equipment for transaction items |
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| CN201811065337.5A CN110895762A (en) | 2018-09-13 | 2018-09-13 | Guarantee realization method, device, medium and equipment for transaction items |
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| CN110895762A true CN110895762A (en) | 2020-03-20 |
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Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102103729A (en) * | 2009-12-22 | 2011-06-22 | 阿里巴巴集团控股有限公司 | Consumer projection service system, method and online transaction architecture based on online transaction |
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| CN102103729A (en) * | 2009-12-22 | 2011-06-22 | 阿里巴巴集团控股有限公司 | Consumer projection service system, method and online transaction architecture based on online transaction |
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